MutualOne Bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | TD BankTD Signature Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.07% | 0.05% - 2.60% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $20,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.60% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing MutualOne Bank vs. TD Bank
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to TD Bank's 2.60% APY for its TD Signature Savings account, with a minimum balance of $100,000.
MutualOne Bank pays $402 more than TD Bank on a $10,000 balance after one year. MutualOne Bank pays $407, while TD Bank pays $5 (with an effective APY of 0.05%) - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 2.60%)
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.4 vs 4.1)
Why TD Bank?
No distinct advantages found vs MutualOne Bank.
— Key Feature Differences —
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $13/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $402 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
MutualOne Bank offers a standout savings option with its Mo Premium Savings account, providing an impressive 4.07% APY with no direct deposit requirement and no caps, making it ideal for those with a minimum deposit of $20,000. In contrast, TD Bank's Signature Savings account offers a lower APY of 2.60%, available only with a minimum balance of $100,000 and when linked to an eligible TD account. While TD Bank has a tiered structure that may allow for higher rates under certain conditions, MutualOne Bank's offering is significantly more competitive for savers looking to maximize their returns without additional requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
MutualOne Bank vs. TD Bank Savings Calculator
You earn $804 more with MutualOne Bank than TD Bank on a $20,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$10.00(0.0%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,010.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | TD Bank |
|---|---|---|
| APY | 4.07% Verified: 1/7/2026 Stable (90d) | 2.60% Range: 0.05% - 2.60% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Mo Premium Savings | TD Signature Savings |
| Minimum Deposit | $20,000 | $0 |
| Min. Balance for APY | $20,000 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.8 Android4.1 |
| Zelle® Support | Available Verified via website and app descriptions. | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. |
| BBB Rating | A+ | Not Rated |
| Important Notes | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.60% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Next Steps | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site | Visit SiteVerify at TD Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | MutualOne Bank | TD Bank | |
|---|---|---|---|
| Online Savings | Mo Premium Savings | TD Signature Savings | |
Current APY | 0.40% | 4.07% | 2.60% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | -8.4 |
Days Since Change | 114 | 114 | 19 |
4-Month High | 0.40% | 4.07% | 3.00% |
4-Month Low | 0.40% | 4.07% | 2.60% |
Adjustments / Mo | 0.00 | 0.00 | 0.51 |
Volatility Score | 0.000 | 0.000 | 0.040 |
How to read these metrics(Click to expand)
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